It is not right to assume. It makes an ass out of you and me. A lot of people think that if they have health insurance plans, these already cover their dental appointments. Not really.
A lot of health insurance plans specifically HMO cover dental operations but most of your dental needs won’t be shouldered by the traditional health insurance plan. The best way for you to do is get your own dental insurance plan.
If you are running a little short, don’t worry because there is such a thing as supplemental dental insurance. Supplement dental insurance help you cover your expenses and also decrease the total costs of your dental operation.
Take note that supplemental dental insurance is not your primary dental insurance. Its main purpose is to cover the cost that is connected to your dental needs.
This may not be covered by your health plan or your primary dental coverage. There are a lot of kinds of supplement dental insurance. Here are the broad categories.
1. Dental Discount Plans
This is specifically made to decrease the dental costs of the plan. It leverages the large number of the clients in order to negotiate the low price for the operation.
Discount dental plans is an example of supplement dental insurance because it allows you to save money by getting the dental care and service that is provided by a dentist that is associated with the dental plan you have.
Whenever you pay, just present the dental discount plan which all members have. On average, a discount dental plan can cost $5 every month.
2. Discounted Student Dental Plans
College students often lose their health and dental coverage on their parents’ dental plans the minute they turn 18. That is why as a form of supplemental dental insurance, discounted student dental plans are offered to students.
Basically, these discounted plans offer the limited benefits like x-rays, routine fillings, emergency dental treatment, fluoride, and dental treatment for pain. Since it is a supplemental dental insurance, the student must still pay for the difference.
These are low compared to paying for the whole bill of any dental operation. On average, discounted student dental plans amount to $125 to $175 for each student.
3. Dental Insurance Preferred Provider Network
This is a popular supplemental dental insurance. With the preferred provider plan, you can go with any dentist you prefer – as long as he is a member of the network you are with.
You can also switch dentists if this is what you like. The dental insurance preferred provider network plan costs $15 to $20 per month.
